16 – 18 years: Financial literacy and responsible management

Imagine you've received an unexpected financial gift. How will you use it? I will divide it into parts – I will save something, invest something, and treat myself to something.
I will immediately buy something I've been longing for a long time.
I will lend it to someone who needs it right now, and I will trust that they will return it to me.
I will donate it to charity or help a family.
I will try to multiply it with some business idea.

When planning your expenses, you imagine: A clear table or application where I track every expense.
A rough estimate in my head, so I have some kind of idea.
Someone else to help me with it, because I don't enjoy dealing with it.
How I enjoy what I love, and the rest will turn out somehow.
I don't plan anything; money is meant to be spent spontaneously.

If you had the opportunity to earn extra money, what would you choose? A long-term part-time job with a regular income.
One-time large earnings, even if it would be more challenging.
A job that I enjoy, even if I don't earn much.
Investing or trading, even though it is risky.
I avoid work if it's not necessary – I prefer to find other ways.

If you found yourself in a situation where you suddenly ran out of money, how would you react? I will start looking for a quick solution on how to earn money.
I would like to ask for help from parents or friends.
I am trying to minimize expenses and make it to the next paycheck.
I will go into debt or take out a loan if necessary.
I don't stress about it; I always find a way to make money.

When you envision your financial future in 10 years, what do you see? Stability - I have savings and reasonable income.
I enjoy life without major worries about money.
I am in business and constantly looking for new opportunities.
I'm afraid I won't have enough, and I don't know how I'll manage it.
Wealth and independence – money will not be a problem for me.

What feelings does the idea of investing money evoke in you? Excitement – I want to try new possibilities and risks.
Safety - I prefer stable and long-term investments.
Uncertainty – I am not sure if I understand it.
Indifference - it's complicated and boring for me.
Fear – I am afraid that I might lose everything.

How would you react if you suddenly had to pay a high bill that you hadn't planned for? I would immediately look for a way to earn money to cover the expenses.
From the reserve that I always keep aside for unexpected expenses.
I'll borrow it and deal with it later.
I will try to find a way to postpone or reduce the bill.
I'm ignoring it; it will somehow get resolved.

What do debts mean to you? They are a common part of life, but they need to be kept under control.
Something I am trying to completely avoid.
A tool to achieve goals, as long as I can work with them reasonably.
Stress and a problem that I prefer to ignore until I have to deal with it.
Opportunity – if they can bring in more money, I'm not afraid of them.

When you have a larger sum of money with you, what is your first reaction? I will save a part and use the rest wisely.
I feel like spending it immediately on something special.
I'm thinking about how to invest it or grow it.
I set it aside and wait for a good opportunity to arise.
I will share it with family or friends if I don’t need it.

If you had the opportunity to take a financial literacy course, what would you do? I would definitely sign up; I want to have a better overview.
I would consider it if it were practical and understandable.
I don't see the point in it, since I will learn to handle money through practice.
I think it doesn't concern my life – I'd rather focus on other things.
I will wait until I have more personal experiences; I don't need it right now.